Do your parents belong to a credit union that issues credit cards? Or maybe another organization like USAA? Places like that don't try to confuse you with small print on the credit agreement and they won't jack up your interest rate if you would ever be late on a payment.
On a personal note, credit is an odd thing. I was just informed that the credit limit on my Visa card was just raised to $31,000 and I don't even have a job! Just the thought of racking up that kind of debt gives me the heebie-jeebies
